What are people spending each month?

[mitchblue]

Everything outside Mortgage and Auto loan. 

[Anonymous]

Sallie Mae:  Approx 400 (gas+groceries)

BOA Cash Rewards:  8 (Netflix)

Chase AARP:  Restaurants 50-100

Discover It:  Amazon/utilities bill approx 300. 

Better Balance Rewards )Internet 42

Amex Blue Cash, Capital One Quicksilver, Freedom get small purchases to keep them active every once in a  while.  Freedom gets good use during gas quarters and when it is not the same as Discover It.  

[disdreamin]

On the cards I just want to keep active, but don't want to use heavily as I would miss out on rewards, I tend to put somewhere between $10 and $100 on them. I've recently gone to putting all auto-pays but one on the DC and then one auto-pay on Chase Disney just to keep those two active. My daily-use cards and Arrival+ (2.2% rewards effective until 8/16 - everything not gas, groceries or restaurant goes here), Sallie Mae (first $250 on groceries and all gas at 5%), BCP (remaining groceries at 6%) and CSP (restaurants at 3%).

It's a lot to keep track of, especially the $250 cap on groceries, and sometime I slip up and lose out on a few rewards points here and there, but overall this is a MUCH better setup for rewards than I had going into the end of 2014. Impressive what y'all have taught me!

[Anonymous]

I put almost everything on my Discover -$2200.00 plus 5 % cats

Resturants + parking and travel go on CSP = 300.00( more if I'm traveling)

Freedom- Catagory spend when it doesn't dup Disco

Amex- any offers that appeal to me. 

All other cards get pulled out at least once a month for about  $10.00 or so and paid in full the same day. 

[Anonymous]

I think I run about 3k per month through my cards. $380 a month for groceries and gas on BCE. Everything else goes on Discover. For places that don't take Discover, I use the Quicksilver. My Amazon card has been used one time since I got it for exactly $2.00. WalMart card occasionally gets a gas purchase when the 5 cent discount is greater than the 3% I would get using a Kroger gift card for gas on my BCE.

[Anonymous]

Whatever I can afford to pay back to stay under 10% utilization, this month I had to rely more on the card and may only be able to go under 30% though which kind of sucks since I have been maintaining single digits for a while... self employed with sometimes slow playing clients can make it a little stressful.

[Anonymous]

Hahahaha... I'm sure you guys don't want to see my CRAZY spreadsheet! LOL

A little here, a little there... but

Discover get the most love at aprox. $3500 monthly. Perhaps that's why they've been so generous with CLIs 

I have the others on a rotation, if you will. None escape a quarter without charge. Except that lame Slate though! That things been sitting unpretty for a decade! 

[Anonymous]

You know! *about the clients* Thankful for them every day though!

*edited to add quote*

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@Anonymous wrote:

Whatever I can afford to pay back to stay under 10% utilization, this month I had to rely more on the card and may only be able to go under 30% though which kind of sucks since I have been maintaining single digits for a while... self employed with sometimes slow playing clients can make it a little stressful.

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[Anonymous]

I put everything I can on my credit card, it's about $2K-$4K per month.  I pull out the SD'd cards every 3-4 months and use them for gas or something small at Amazon to avoid them getting closed.

[Anonymous]

Is this for just personal card or business too?? If it's personal I run maybe about 10-15k a month on 10 cards 2 cards I still have a 68k balance on it business the one I run most is lowes which can vary from 30-60k a month and cap1 spark cash which can vary from 20-45k a month these r only credit card